记者 尹睿 报道 8月25日,A股市场继续走高,沪指逼近3900点,收盘报3883.56点,日内上涨1.51%。市场成交额超3万亿元,刷 新年内成交额纪录。 与此同时,银行大额存单转让市场也热度飙升,在多家银行手机APP的转让专区,大量存单被持有人以小幅 折价的方式挂牌出让,部分产品甚至刚购入数日就被急售,引发市场对资金流向的热议。 大额存单"拼手速" 有的仅持有数日就转让 "上周刚抢到一个2%以上的大额存单!"最近,90后投资者苏女士刚办完婚礼,手中尚有闲钱想进行一些投 资,她蹲守多家银行APP转让区,成功抢到一张"心仪"的大额存单,"我这张存单,原本年利率为1.55%,但是因 为转让方让利,实际年化收益率大概在2.54%。" 记者观察发现,多个银行APP转让区让利产品密集。以招商银行为例,不少持有仅10天左右的存单伴随小 幅让利挂牌,剩余期限不足20天、本金20万元的存单也频繁出现,且转让成功的存单到期测算年化利率多 高于在售产品。有银行人士向记者表示,"需要用资金了,又想快点儿转出,客户往往就会让利转让。"另据 媒体报道,在某城商行的大额存单转让区,8月21日以来转让存单成交测算到期利率超2.4%,最高 ...

齐鲁晚报·齐鲁壹点记者 尹睿 8月25日，A股市场继续走高，沪指逼近3900点，收盘报3883.56点，日内上涨1.51%。市场成交额超3万亿元，刷新年内成交额纪录。 资金流向多元化，股市并非唯一目的地 "我转让大额存单是为了给孩子提前准备教育金，打算购买一款稳健型的教育金保险，虽然收益不如股市可能带来的收益高，但安全性更 高，也能强制储蓄。"85后李女士说道。上述银行人士也告诉记者，她的客户中约有三分之一将资金转投了理财、保险等。 央行最新数据显示，7月住户存款减少1.1万亿元，同比多减7800亿元；非银存款增加2.14万亿元，同比多增1.39万亿元。中金公司 （601995）研报认为，历史上非银存款增速上升通常由于两方面因素：存款进入券商保证金账户准备入市；居民申购银行理财、固定收 益类基金等产品，非银机构认购定期存款。另据银行业理财登记托管中心发布的《中国银行业理财市场半年报告（2025年上）》显示， 上半年，理财产品平均年化收益率为2.12%，较去年同期增长14.18%。 苏商银行特约研究员付一夫在接受媒体采访时称，稳健型投资者仍是主流，但保守型和进取型投资者的力量都在增强，反映出投资者对 理财市场的 ...

Core Viewpoint - The article emphasizes the importance of gathering and summarizing valuable investment knowledge and data-driven insights for better learning and decision-making in investment strategies [1][2]. Group 1: Investment Strategies - The article discusses a promotional event for the "Ding Series Investment Advisory Combination," offering a 50% discount on advisory fees from July 1, 2025, to December 31, 2025, with a cap of 180 yuan per year for larger investments [5]. - It highlights the principle of value investing, referencing Warren Buffett's approach, which focuses on buying companies with strong earnings growth, as a foundation for long-term investment success [7]. - The article outlines six enhancement methods for index investment, including fundamental enhancement and quantitative enhancement, which can increase returns beyond the index's inherent growth [9]. Group 2: Market Analysis - The article presents insights on the current market valuation, indicating that the market remains relatively undervalued, suggesting continued investment in active selection and index enhancement strategies [12]. - It discusses the relationship between index valuation and company earnings growth, noting that recent favorable policies are expected to positively impact earnings growth, leading to a dual boost in valuation and earnings [11]. - The article provides an overview of the Hong Kong technology index, noting its higher long-term returns compared to broader indices, while also highlighting the volatility associated with sector-specific investments [18]. Group 3: Financial Products and Tools - The article introduces a new "Golden Star Rating" and "Bull-Bear Signal Board" for gold assets, providing insights into gold pricing, historical ratings, and its relationship with real interest rates [6]. - It discusses the recent trend of lowering the investment threshold for trusts to 300,000 yuan, making them more accessible for wealth management among ordinary investors [17]. - The article emphasizes the importance of global investment through index funds, suggesting that they provide a diversified approach to capturing opportunities across various markets [14].

Core Viewpoint - The event "7.8 National Insurance Publicity Day" emphasizes the theme "Love and Responsibility Make Life Better," showcasing the insurance industry's commitment to public welfare and education [1]. Group 1: Event Overview - The event took place on July 8 at the Heze Grand Theatre Square, guided by the National Financial Regulatory Administration and organized by the Heze Insurance Industry Association [1]. - The "Insurance Green Walk and Insurance Science Fair" was launched, highlighting the integration of health, science, and responsibility within the insurance sector [1]. Group 2: Participation and Activities - Thirteen employees from the company participated in the event, dressed in uniform and carrying banners with the theme, symbolizing the spirit of "Love and Responsibility" [4]. - The team engaged with the public, sharing health concepts and the belief that insurance protects a better life, thereby bridging the gap between insurance and the community [4]. Group 3: Insurance Science Fair - The insurance science fair featured various educational topics such as "Anti-Money Laundering Knowledge" and "Insurance Protection Planning," with professional staff available to assist attendees [6]. - The fair successfully attracted over a hundred inquiries and distributed more than 300 informational brochures, transforming abstract insurance concepts into relatable protections for the public [7]. Group 4: Future Commitment - The company expressed that the event is not just a one-day promotion but a reflection of the insurance industry's ongoing commitment to its mission [7]. - The organization aims to continue providing professional services and uphold the promise that "insurance makes life better," ensuring this message resonates with every resident of Heze [7].

Group 1 - The article emphasizes the importance of education in enhancing human capital value, citing that the return on investment for a bachelor's degree is approximately 18% annually, with a net return of 15% after inflation [15][16][17]. - It discusses the rising costs associated with education, which are increasing at a rate that surpasses the average inflation rate, making education funding a critical consideration for many families [23][24][25]. - The article highlights the need for families to plan for education funds, including both the parents' retirement and wealth transfer strategies [3][20]. Group 2 - Two main investment tools for education funds are identified: public mutual funds with regular cash flow and education savings or insurance products [27][36]. - Public mutual funds, particularly those with regular dividends, are suggested as a viable option for families needing consistent cash flow for educational expenses [28][30]. - Education savings and insurance products are characterized by their fixed terms and lower volatility, making them suitable for families that prefer to avoid principal fluctuation risks [40][42].

Group 1 - The article emphasizes the importance of purchasing insurance for children, particularly in light of potential risks from accidents and illnesses during their growth [1][8] - It suggests that parents should prioritize enrolling their children in basic medical insurance (children's medical insurance) before considering commercial insurance options [1][2] Group 2 - For children aged 0 to 3, the recommended insurance products include critical illness insurance, medical insurance, and accident insurance due to their developing immune systems and higher accident risks [2] - Critical illness insurance provides a lump-sum payment upon diagnosis of a covered serious illness, which can help cover treatment and recovery costs [2] - Medical insurance options include high-limit medical insurance (with coverage up to several million) and lower-limit medical insurance (covering daily minor illnesses) [2] Group 3 - For children aged 3 to 6, the focus should be on strengthening accident insurance while also maintaining critical illness and medical insurance coverage [3] - Accident insurance can include additional benefits such as hospitalization allowances to alleviate financial burdens during hospital stays [3] - Parents are advised to increase coverage amounts for critical illness and medical insurance based on their financial situation [3] Group 4 - For children aged 7 to 12, education funding becomes a priority, and parents may consider education insurance to secure funds for future educational expenses [4] - The article highlights the importance of selecting critical illness insurance that covers common childhood diseases and their respective payout ratios [4][5] Group 5 - For children aged 12 and older, the recommendation is to consider lifelong critical illness insurance alongside education funding options [6] - Lifelong critical illness insurance offers long-term protection, while education-related insurance products can help accumulate funds for higher education [6] Group 6 - The article outlines key considerations for insurance configuration, such as prioritizing adult insurance coverage before children's, accurately disclosing health conditions, and thoroughly reviewing insurance terms [7] - It advises that family insurance expenses should not exceed 10% of annual income to avoid financial strain [7]